The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,645
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$526/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,766
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$504/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,547
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$631/mo
Today · 4.125%
HK$21,227
baseline
▲ 0.50% · 4.625%
HK$22,519
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,454/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,221
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$605/mo
Today · 4.125%
HK$23,422
baseline
▲ 0.50% · 4.625%
HK$24,657
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,844/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$737/mo
Today · 4.125%
HK$24,765
baseline
▲ 0.50% · 4.625%
HK$26,272
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,530/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,925
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$706/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,962
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,894
−HK$947/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,332
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$907/mo
Today · 4.125%
HK$35,133
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,266/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,994 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).